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About The Oregon daily journal. (Portland, Or.) 1902-1972 | View Entire Issue (June 23, 1907)
WhyMen ..Tireofiorli; '-m.w"" ' . ..... ..).'. '. jLi-gfi Real Estate Loans VlislCy; Hinfc fnr .Small Invncf nr By Ada May Krecker. wi i HO hM worked ul ha aot tired T Th fact that vtreagsk la lessen continued effort tm Is mcd- rat dtTM, to a Mitir of faanfile . observation. '. ' - Animal Jlfs eomstlme present tracing Il lustrations, ax lb utter exhaustion of th migratory bird. . On reeehtng lend they ar eeroety able to mora, mur do not arrive at tba shore, tilling front fatigue, Increased temperature end even aa ettorettoa to. tba muscles that mora th wind nark Wrd ex haustion. 4V-;'.:? ':;';' But such hrewd observation aa the fall to atlfy today axaaaea. Mea Ilka Moaso, ; Klohaat ToaUr, audi Mr rrancU OaMmv ha, ara utaraataa tn Caurua, go faruar. - Pror. Anfato rfoo of. tba Unrraratty of ; Tvrta ha la-rantadi tba rvcrh and tnr with raoordad tha atrancth ax art ad bj tba , nuiaolaa which band on of tha flnstr. If a ; wight l attachad to th lnatramant tba ax baaattow of tba naoaola en aneoaaatra aon traeUoa cm baoertabadaadtndleat4by tba hatght to. whih tba walfht to ratoad; and wa i raooroaa or taairaoingoctBa tayr , - w . i?, !, kL! ' ft4' '?lwt ffvTJJff iuh u. tj. uvw r"" "w TT1 " w " I wf...rTjJ.. ..v'l. "I.r' .. TTL T,TL..rt: .r-r. ...t; tb brala ' So If a phralotoctat anir baa a frf k aaa atody many facta of Ufa, ana know, that ha I oaaaln aa pain and that tba will of tha ubjaet do not InOaanq ' tba fact thar barr - " l Bow HasclM Bcni rati!. ; Ona of tha moat Important thin natod wa thla; That tf tha nraaolas af a fro' to ara atunulatad by alactrtotty ao to oaaaa ooa- traction ia quick auooaaaloa thaaa tadUr aimiman m auaogxn. w naiM w wow th attachad torar ft dlmlnlaha rapidly ' until finany tha Bam alaotrlo urrant whtoh ' ha mad tb muaolaa mora no tonaar eauaaa th aon traction. But If tha artary af tha lac . now to dlrldad and dtotfflad watar to tojactad lUntU It flow out fraaly.from th vain. muaoular eootraotlona aaln oaa b obtained, v " and tbay continue for a abort thna ' The Jla-.. tnied watar cannot renew th contractile ale I manta; It Waahae out tha muaolaa flo It to . certajn that tb oaaaatlnw of tha contraction ( under rapid atlmulatloal due not only to . exbauatlon pi ua muacia put va we piwmw ;of aomathln'c which Mndera tha reapoaa and - can be removed by elmple waanlnct than ba anree aubetano.; j i" V,. i':'i'v .Th aulok rapaUtloA of nuaeular exertion doee not allow tb living tlauea to approprl ata anouah of (HO elemanta preaanted. So ax- 'nuaUoa' to mduead, th eaaantlaJ abuee of the fattur from fatlniautnougBiininuanc , a'ecorapaaled. and '..to. fome axtead aatle., A'notxt h tha fclndrln effaota of the arod. . -'i acta as ecuon . , . , , , 'liU ".-';'' . .Brala Fa Mor CompUCatM. . ; elgorou Intatlaotual exertion. Durmg ao f Brain fag to-1aaa simple and harder to to-i U axertioa of tha body the brala oannot be veatlaete and' undaratand. Wa bare not' employed lntenealy, and. thrfor gat a ' . baen able to toeaaure and record the power of tha brain aa we neve that of the muaolaa. Tha dlvereltlaa of experience a collected ay ' Sir Vrancla Oaltoa and Prof. Moaao from 'over a hundred teeenera ana ouer ware ao big that yatematle atudy to baffled. The moat deflnlte effect of brala fatigue la Itn 4etf act brala power, aaalogou to Che djmla iahed atrangtb of muacia Many affect de ' pend on the individual. Tho action of the Why You Are Not Happy; Job IsJiMan's V By C. D. S ,'OVCE man and women go along from day to day and Ironvyeer to year, ana are happy, and other plod along m diaoontanb If not, in actual mlaery. Condition, for both may be the aajna. Thar mar be anjoylng th aama atate. of health, ability, and oapabltyi they even may - be employed bi the aama eetabllahmeat and racalv th earn ftalary or. If la bueiaeee, their mtereata and the parttoaat oondttton . andolwuauunce mar be on- a par. i , . j , One goe along tight hearted aad happy. putting f rth kll th anorgy thara 1 ta him. while th other plod along th a llrtleea, Mfe ' laae aort of way. Why ahould thla be aoT with hrday routine la a atereotyped. per functory aort of way, while tha ether ehow herself the picture of anlmetloa, aweet tam per, and happtnaasT - ' . , i Was C&a Dfias BavflaMsf :! - What to happtneeat That daluatva, -Unglbla orathlng that varybody waata. bid for at anormoua prlc by aome, attained unooiwoloualy by other, rat oftea not ap preciated or, even reoognlaed whea at hand fbratthar.: ' Vv.. . , ",' " ' ' Parhape In It uncertainty Ha H eharm. There are million upon mlUlone of people la . the world who, though mlaarabla, try to de oeive fhem!ve Into th belief that they ar ' happy, aad million alao who, though aotaaK -ly happy.' try to persuade themeelve that v tha ara not. f . Otva me a raUUoa dollar and I wffl b happy 1" axclalmed a young man. But would he? It to eonceded by tho wealthy that tha mar proprletorahlp of great rlobe make " a little for hepplnea aa It doe for mtoary. ; " Let to atuin my end 4et me oaooeed In -tnv undartaklna-." aaJd another. " and I Will .b happr.' But would hat Dally on every, band they are attaining their end and auo eeedtng in their undertaking, and yet they are not happy, , , Otva ma a good and true wife and t will be happy," aaid a third. ; But he waan't And ' thOuaand of man with good and true wive have tha aam tory to toll. r..v;:-4.;iy: a s'i'' . ' , - dadraw Carnei I, Bappr Andrew Carnagta 1 a happr man. That" . will ha coooadad on every hand, Her to a man worth many million. Ia ha happr ba- " oaua of hi mllUonaT Evidently not. for he 1 giving them away almoat a feet a h :, oaa. Xa he happy ia tha attainment of hi earloua ohariUbla proJaoteT Hardly, tor a ; doaaa aaw one are atartataadi aad under heart' th functions of ths stomach, and tba Work of tb Uvr and -other organs ara disturbed, ta vertou vara: , and a van tba temperature of the whole tody sometime ta . - . . . . . . ' 1 . Tbaaa derangements tat turn act upos tba blood, Impoverish It, prolong tba dlecom--oomforta due directly to fetlgua Ona fraat function of tha liver la to eliminate tha harm- i ful prodaota of muscular action; and what ever mterfarea with thin process tnaraaaaa . tba amount of toxlo substance la tha blood. Brala fatten ! tha moat ealamltow of all weaxlnesssa ;It transcends., ell other ta abaolut Importance. Tba phyaloal sense- Motx ara allg-ht and tnlniflcant coniparad with loa of mamory. of oonoantratlon of thonfht, and Btmllar dlaablUtlaa. n - lait la Chan of WerL Cma w nraraat fatlrua br chanaw of workT If tba ..work -1 aot too ' haarjr. la a dtfroMne work wa uaa dlffaran narYa alamaota. And a dlSarant sort of maatal work may aoaduoa to a ratnTlcoratloa of old poMtltuanta br aaw and mar la thla war nromota tha canaral watt bain f tha brata. axhaoatad alamant almoat at raat and ytt td th ranawal of thalr loat tohtartal and roinototbTiia4thawaatama4rlaL 4..r, TWa to ma ta raatrdara af muaoular ' ajuretaa. But ta b aaafttt tba aaarotoa muet ba-modarat. In aaoaaa ;tb tauaclaa and br uv. proa tbir own aotioa Bacraatloa maana "maklnc a rain " , that which . work ha undona. faotUtaUnf tba uarraloo raeuparatlv now ar of ilfa. Raat and raoraatloa ara tha asti dotaa of fafifaa. Tha ralu of racraatloa la graat la proporUoa a It tarolya a tborough ohanf tn th oharaetar of aarr actlrlty. Bnt no raataaUoa to poaatbla If it fknplr ra plaoaa ona form of fatlfua by aaotbar. Blla Walr MttobaU, th dtattnculahad phy tolaa and noraUat, ralaU that many yaar a0 ba baard Mr. Tnaokarar mt tkat ha , aonatlma wa tianntad. by tha oraatura h hunaelf had mimaonea tat bain and that It waa a ood correotlTe to tare over th pa or a cnctionary. a great lawyer told Dr. . MltcheU that hi ura waa a chapter or two of a aovel with a oold beta before roln to s bed. rForaaid ha "you rr Ukaont or a eoia beta the thcrhta you take Into It." ' Saiaad Ixrdi BitnJaly. ' Eat regularly and exarolae frealy. aara Dr. . lCteheU, and there 1 acarce a limit to the work you may set out of th thinking organ.' But u into tba Ufa of a man whoae power are' nor, taxed we bring. tha element of great anxletr or worry tha Whole machinery , begin at onoe to work a It were with a - daagerou amount of frtotloa. Add to thla eonatant fatigue of body each aa aome form of bualnaaa bring about, and you hara all the mean needed to rain th man' power of uaa- mi labor. v5--.. . Kothing now to mora aur ta hyglenlo vol- anna, tfflnm thm. Aurtnr (Kan ,, auennon ox pnyvoai aaa mental lanor to beat fitted to Inaare a lifetime of wbotoeow end repoae that eran aleep oannot alway fur- blah. Every tlaaue.' bona, nerra, f andon. or muaoie anouia take from the blood aertala materlala and raturo to It aertala othera To . eo yum every organ ougni to nave it period pf activity and of feat, so aa to keep the Vital fluid bt a proper atate to nourtah every other part Thla probably to aasantlal to a condition of entire vigor both of mind and of body. Great Joy. Romero. way often before evaa the oaa to eonauav mated. Then why I it that Andrew Carne gie, to happy t if he 1 aot happy la tha poaaaaatoa of al wealth nor yet la tha at tainment of hi varlou charitable projaoU, why 1 It that ha la happy 1 , -- - Andrew Carnegie to happy because he never la without aa object to strive for. It to aot the consummation, but th striving to ac-- oompllah. that bring him happlneaa. Had "he but the one object la bead he would' b , bappri but, with the andleaa chain of bb-' jeetivo performaace oonstently going, b 1 aa extremely happy man. Evan at Bklbo castle, ha never to Idle,' but alway baa number of thing under way. Xa fact, hi whole oar ear prominently bear out tha fact that not attainment but tha striving to at tela baa baen hi ouro of pleasure and happlnea, ; . Joy Spria; from ta SooL Hera, then, we gat to tha propoalUon where th soul eatara into tha premise. W have heard oftea the remark, " be put his whole soul Into his work." Whan wa And a man who put hla f whole soul "or area tha major part of lt-inte hl work w have found a man wholiaa sdhia object ha 1 striving tor, and, consequently, a man who to happy, When we Had tha man whoa soul la la the bMkgroundv or ohllled, we And th ma who to without any speclflo object la view,; faint heart aV ambiUonlcaa, and mlaarabla It doaan't matter materially what th ob ject to, Juat o that It to ufflolentlr po tent to get the soul ta action.; It may be tha .winning of a wlfa th building of a horn, the ralatng of a family, th sucoor of some naedr aava, th' eoummatloa of aa enter prls. tha aeoompUahmaat of oma special act or duty, i .' . , Even th wan with midden flnaadai ra ver can tunr-mlaary into happlnea by th heroic effort of the payment of hi debts. A soon a tha oaa object la attained, to pre vent a relapse and keep tha aoul from ehiU tn another aim at ono ahould be token, 1 There is ao reason whr anyone ever should be unhappy. ' Disappointment wilt follow ometlmesw-th matter will not turn but as you axpected It Would-no. matter. Set your waif another aim at onoe. Consummation at time may bring a high en of gratification, but the pi are and happlnea you derived from th striving eeaae with th oonsum mattoiu : vv jj.-.,;. ".ir;xi:!;i , The homely remark grandma used to max lit tha.caaej ' r " :. . X ain't never hapwr lata m doing oathfna. some thing." ddriotelsKiaveStoppedAt; What the Drummer Endures By E E. y f AnTT froaam waahnttoh f J ra: aommarolal towiat bnntns rad I but - barrai - ata - aad ahlvartn V tbrouab draftir caaaaca lnta draftlar room; botal aa batn tunai amoay lamp, even eandtea, night la suffocating pin aback labeled hotel. August midnight ' In f aether bada, aot to mention ereepy thtnga : Voodl And yet som peopl ovy the aav marelai traveterl . . Tha wondar to ma to that travel era aurvtve, - One Would expect to see gaunt, hollow eyed. oouxhlng speetera a a result of aaoswra. or obroala drpptl. aaa reeult of strange fare, :w. i--:",:' .'.m-'-v iV S, Rut. tn amfta tit thaaa thins. 9U WIS dto- , oover the averag salaamaa whe make tb round of country towna supplying th mat ehandlaa of all' kind to tb trad, about a . plump -and healthy looking .a lot of men aa thar ar In any bulnea., Possibly It to beoause thoae who surrtva oaa stand aays thlna? and poaalbly tb drumtaar " pro verbial ablUty to laugh make him Immaaa - ' I recall one notai oowa in toe nduuin . which had ona of tb most primitive bin of fare In the world. Tbieoioredboy appeared at the elbow f the meet morning, noon, and ' Sight, and hi atople Inquiry oovarea tna antlr ground, v . ' . ,''(':'':' HoMroaIairiaT" - .... -... -. ;:J r Sarprblatf Plac ff Bata. ' : Xndeea. the south until within tb last dee- ade, sad la1- soma spot still, furaeshe th limit ta th hotel rjna I remember one even- , tna; ta March dowo la K.entuBKr.4 -- drtvaa twenty-flve mtu over muor roao ana. arrtvlnr t a hotel, 'which appeared toU rahlv comfortable. I inoulrad U I eoua gat a hot betfa. and to my delight wa informed that X could. A ftno rain; half snow, wa falling and a high wtnd blowing. I want to . the room, dterobea, ana, tnrowing nam robe around me, f oUowad th negro toy aowo , tb corridor, r Pretty soon we emerged on to a latticed back poach on th aeoondi story, and in a totUoework that was covered with vine la mldaummer stood a. bathtub,' Into which the boy had damped two bucket of hot water. ' ; --..ry : - ':. The latticeworlt wa open, aad area in flarlnc lamp, alsxnnf a tba anownaae track It. revealed ma t half th nalghbora X gave up tha luxury Of th bath and re trMtadlnaaaeodorder apowie. One ta Kan i flouhiaa up wb 1x.itmM 1b en bed. but th nmlt rauttiad on alirbt when X reaohed a mn town la southwestern Tax, tired out from a long drive aercea oountrr.U waa saion irrwatfam aamM). aad inautr' for auarter.. Tb hotel maa ragrattad exceedingly that he. had but on room., ana mat eceupwav, hoped I would "4 object to doubling up with the eecapeet, who bad already retired. , Miadtmei Bat Small PAX. ' , n. nhiaA m to the room, showed m th bad. put down tba lamp, and a ha atartod to leave he aakad caaueUrt X suppoae you've baa maupoxr " No." X replied. - - That' bad." he remaraao, anu mnamfi cheerfully, " but X dont uppos u paa oa helped." S Ha waa soln out When I mcruireai "What ha smallpox to do with this f ; Nothing." ho answered, " nothing only your bedmata ha it". X beat him downstair ana stepi m a anair, One of the oddest hotel I vr struck waa up la tha lumber district of upper Michigan, X bit tha town one election night and found tha place crowded with loggers from all up , and down tha river. : There was ono hot:. a small board affair, Tha office and dining room occupied ono side, th kitchen wa a Worker Should Study Job; Who Knows Most Succeeds. By Lawrence Wright. faaaa j HEM Alexander Pop wrote hi met Wa rical belief that Th proper study mankind to man." ha bad ao Idea of the usefulness of ths ap plication of hi epigram to affairs la th world of work. If more workers stud tod th rest of their raltowmea, more of them would succeed la Ufa. They would gain mora of all eorU of success, th financial success that comparatively la so ohaap and easy, and tb real, enduring character buiMJn auccaee that doe not com with suoh facility, but that whea it doe com lasts forever and a day. ifr'yfiSt i-.V.K ' Napoleon Bonaparte used to say that "men are moved by two leverr-totareat and fear." That waa the aura and substance of hi thought upon tho problsm of how to gat man to do the thing that he wenoed them to do. His ooncnulon might aot hav goa far . enough, but a far a they did go thy war -flawlea. . Thar are thousand af worker whose degree of success ta getting ahead to tlmited only by their ability to handle other men. Thee ar th boas, graat and emalL They are boas because they ar supposed to be abl to upcrtatond and oversee ether mea. Tat how few of them understand any " thing f th psychology of th crowd How, fsw of them hav heard of NapoleoWe maxim or hundreds of other maxima aad aphorism In whioh thar is tab fJMP th dietiWed wisdom of a? - ; . . - . : .. V" -i WorKtr StodUi Hsmaa Katar. The worker who pay any attontloa at all " to th proper study of human nature sooa I sea that he has baen aegtootlng many op. portonltlaa, not only for hi owa lmprov. " ment but for th unprovmni oc in wots In which ho to interested. . Uaa who cannot be driven oaa ba led Men will follow a man whom thy wouM aot permit to drive thm, but soma men win follow hast whea they bellev that they thamaalve ar doing th jMOiag, er at least helping la It The Crbssland. loan to ta tha raar. and oaa Ion badroota oxtawUnc akmt tha anUra lda of tha botal oompUtod tha.otflt-jX douWa row of oot : ' bada with haads to tha wall mada tha fttr 1 nianm, ana yt to ara waa only anout room aaougb for a third of the vlattora In town to steep. Along about t o'clock X decided to ' retire and the proprietor, attar looking m over curiously, and evidently debating to ' wardar, stgned so to a bad, aad X turned ' ta. . i;:. , - ' f ? .? , ,, " . t "i SIplatf la Tar Shlfta. ; At midnight every oot wa filled, and foalf tha " pickled " )og roller wara snoring, when. euddenly and without a trace of warning, every oot wa overturned, the occupant dumped an th floor!; Tho sleepers arc, but oa what clothe thar had removed before retiring, and atartod out without oommant X waa daxed for a minute and than began to kick to the boa wh stood la tho doorway and relied, "All out" " What the dlcken doe tfila meaar I demaadad hotly,' : m first shift taming out," h xptained, aad a h did so a Una of man marahed la and retired, while those wh had slept la the first shift slipped a war to tha nearby . seloona At o'clock the second shift waa dumped onto tha floor, and at 6 whoa tha third ahlft was dumped, X paid th bo fl xtra to tot m turn ta aad sleep until 8. In earlier daya whe X was sailing farm machinery la weatera Kansas, I struck som , queer hotels, but th oddaat on of all wa - owned aad operated by genius named Rlch ' arda, la a little village la fiherldaa county, ; ' fifteea or twenty miles from Hoxla , Richards wa a queer character, and hi apeclaitr waa Invention. x Ha had Invented ' more worthless things than anr man la tha country. Almoat everything he made would "work,' but they all required more time aad r labor than the thing b tried to Improve on. Hla barn lot and barn, aa wall aa bis Uttl on tory hotel, war filled with thing ha bad invented. ' ; a PoiQng a Baatai Cjrcloa - H put m to bed In a small room, perhaps by 10 ieet. with ona amaJS window and on xtrmly narrow, door. X aottoed a ha showed me into tho room that tha place seemed to have double walls set about tea Inches apart and inautred about It, ' " ..' " ust ona of my lavantlona," ba laughed. "None of my guest ever wilt get killed la cyclone." ' " I reared. The Bight was sultry and etc. ,. but after a time X faU asleep. Soma time . during the night X wa awakened by a Jar , ring, a rumbling, aad the thought flashed ' Into my mind that a cyolone had struck ; u. I leaped oat of bed and ran to th win dow. A slokonlng sensation of falling came over me. Everything was dark. X Jammed my arm through the window and my fist truck solid earth. I wa terror trlcka, but with a Jar the movement eeaaed, aad wlthta, a few: minute we began to ascend again aad stopped suddenly. A gust of wind struck- me and as I wa about to climb through the window Blohard opened the door and aakad: . . ' ' How did aha workf ' I demanded aa explanation. , CrIona,w ha said cheeruy, " took ma calf barn and two hayatacka and part of Dobbs barn and bis windmill X though it waa going to hit a and let you down." Tha next morning h showed m the mechanism. Every sleeping room was really a double room, tho tnalde being Uka an ele vator, and ha had rigged weights and coun ter weight until by pushing a lever he could drop all tho Sleeper la tha hotel dowa Into ' tho cellar unta tn eycione paaaeo. aad a 'hundred other little things are learned quickly by the matt who trie t get at the bottom of thlnga Too many workers go along without think ing. Too many let other men do their think ing for them. They are right so long as that man Is oa th premise or within call whe doe their thinking for thm. But if h to not Around they ar tost Too many mea enlist under ths banner of som other man inataad of under th banner of tho Job itself. They forget that the man for whom they are working may not be on top forever. It they had euttlvatad the Job inataad of th man who held It thy would hav lasted longer whan th other man and th Job war separated, an from th other. Laant Good Sid af World. ( Man oaa learn a graat deal about other mea from book. They oaa learn more from tb other mea thamava. They make a mis take who think that th phraa learning th world" mean only learning th o ceiled eamy eld of It Th seamy side hold few of th reward a ompard with th treeaur that are to be found oa the right ld of th world. ' Man who have been to th world any length of time know that ma who know moat ar quit likely to be able to do most that man who know thear fellow best ar quit Uka to know'tbsBtoerre bast . Th old Cfcreek that said "know thyself" gave ad vie that ought to be followed along with that of Popa For while th world 1 r filled with many Invention and many en gine aad many maoMnee th real force that I at work to man. JTo man everything cocoa ,back and from man everything eterta la the working world. That man therefore - wh beat aad most adequately know himself aad -othar mea 1 much more Skely to sueeeea tbaa th herd! as aa wh know aot trai guessi and moetoftea gaisse wrong. v';vy:;:floiiis;wTiei f TWRTUNTTT for mortfata lnaU f 1 mrats for young man to a thought J la th mind of many who bar a few , . V , hundrd dollar arntng only the reg - tr" ur a, per'cent of the saving bank. Especially tntereat rate recently have ba going up the field to attractive Under aeaalble condition th mortnur oa a piece of real aatate to on of th best of lntareat bearing riaka. But unlaa the prop arty ba been looked into from ell point of tow and area the borrowing owner altad up carefully aa aa Individual the mortgage loan mar b on of th rtakleat venture tb young man oaa maka It must be borne to mind by the lender oa real aetata that tha note, tor whatever-amount -1 -tb vldnc of th borrbwet's , . Indebtedness, Th mortgag given on tho real aaUto to th eecurtty. Th poeitioa of tho leader and holder of the mort gage aot ordinarily should be that of look ing to foreclosure as th last reeort It coat time and money to foreolos a mortgage, and even If the mortgagee wtohe to poaaea tb property h can hav no aasuranoa that It aver will become hla 1 It to on that occa sion when tho last 'thing ha desires to th propertr tha h to most likely to hav tt oa hi handa 4 ! . . ' V v Th young uaa wh may hav $1,000 to 18,000- to invest ta a mortgage loan oaanot be too careful whr h plaoat his money. ' ' TacaatrroptrtpBad SUB. ; -A a rule, n aever should riak aka Unlmpreved propertr. There ara xemHanm a wbea It I known almost baroad a dnuht kat a real estate boom la to strike, thai aa. afa seodoa. . But far mora often in bk th prooerty lie tbere dormaaL or deoreeses in vao because of poeelble build- las; operation nearby which re of char- ,- , - -y , Twin. k.m holder of the mortgag he Im responsible for to payment of general tax, th sidewalk Improvamsmto aad repairs, and for any spe cial aeaeestnents that mar b mad axainat It i ,- .Thua If the borrower defaults (a tfiesa- tbtaga, rh holder of h mortgage ha a piece of property whioh ha no Income, aad for which ha may have to pay out more ; money than a to abl to do. A mortgag loaa up to 00 par oant of th value f place of realdano propeity ahouM b th limit of th ventura ; It I on prop erty of this enaraoter thai th small lender wtU have oportunitr to maka hi loana If tb loan t to run for several year titer wilt ' be OrpreciatloB la the value of th bouee, -and ta addltloa thar wlU be Insurance, water ' tax, aad a doa oohar things for which th holder of th mortgag may be kabl to case th borrower faU to meet the ofoH rations. , t , i i , LooV Oat f of Lat. ; A young man may have UJXX1 and make a loaa oa a place of property worth, $2,000. At fl per cent totoraat ha wUl axpeot too year Jntsreai to seml-annuet payneats and h Wilt not b wise In allowing the time of payment to ma over. He must watch that payment otherwise chargeable against the' holder of the property be met. He must hav ills area open a ta whether a lease ba not been executed la favor of a tenant bef or the recording of hi mortgage. Unless be shall be reconciled to tha tonne of uob poaalbl leas be will be la aa unenviable position. That one thing moat to be guarded is the character ot tba person to whom the loaa Is made Tba lander may- satisfy, himself, a to tb title of tb realty. Xa thla be may be . assured through having hla own examination ' of title conducted by hla wa agent with tb oertalnty that all fee tn ooaectloa win : b paid by the borrower. , But If the money loaned to the borrowea-ls to be dissipated and ths note left unpaid until Tricks in Jewelry Trade; Not AlllXioid By Robert T HE watch repairer will cheat you tf you don't watch ut H and ths Jawalar have exoeileot ossortonitiaa to shew a Uttl from year inooms now aad "than, aad If either of them happens to b of a flextble oonadaaoe (hey wUl not tot th ebaac slip by. . What do you know about th meehantem of that busy little devlo la your veat pocket? Not on parson ta a thousand oaa diagnose It CI properly. The professional repair man, knowing this a ha does, constantly to under th temptation to take advantage of th ever present opportunity to exag gerate whan he examines tha watch aad toll th , owaer about It complainta Even reputable firm are apt to auggeet to their customer that It " wouldn't hurt " to have tha timepiece cleaned whea there to ao real aeoasslty for that operation, and soms of tha so-called cheap repairers could not exist at all without praettdlng these decsptlona : Sometimes a Jeweler will advertise that ha to making a special rata on main springs and then, whea the customers arrive, eager to take advantage of hla bargain, be will as sume a lugubrious expression, aad with much ' reluctance assure thsm that thalr watch are la bad condition and that it really would aot ba worth while to put ta the aaw main ; spring Bales certain other repelra were , made at tha aama tlma By emphasising the need of such repairs, many small repair shop ar maintained whioh otherwise could not remain In business. , , Profit Stack 100 rf Cnt ' Th retailing of Jewelry offer a fine field for deception, - provided tho dealer ta not honest Ths tradesman ta a small way does aot hav tha chance to realise th profits that fall to the big Arms which seldom sell a high ' priced artiole for leas tbaa a profit of 100 per oant ' a ho sometime swejls hi volume of -bustosssbrresortlagtotrioka . , Th dishonest Jeweler gams much of hi Olsglttmat profit from tb sale ct engage ment rings, probably thinking that young 1 mea who buy these rings ar fair prey at that 1 time of their Uvea Th average girl want diamonds la bar ngagmnt ring, but there ' are diamonds and " rose " diamond, and many a girl who thought she owned a real gem ha auddanly found bar huaband occupy ing a sadly lowered alcha In bar affection wbea ah discovered, by getting her ring wet ' that th Imagined diamond much reeroble4 som of bar wa biscuit ta th raw. forcloara proeadlnra maji-or mar not atlafy it, the lander may be facing a costly ropoeition and ona, which will leav him In a state of uncertain proprletorahlp of hla collateral for aeveral yeara -V '1 ' . , Tba time was under the common law whan aa unpaid mortgage on tha day It waa due mortgagee tne rixni w clu PI,on . ; Fortcloiar It Todloaj Process. 1 .. Under the present law in Illinois the bolder of a mortgage note has " dafeaaanoodeed " to the propertr. That la, th holder of the s propertr who gar the mortgage may have a right to redeem the property after it baa i be-sold under focecioeure. - Only through. the procaaaes of th oourts may tha holder 6f the mortgage aad mortgage not become run poeaeaaoT oi ma piupnt?, ' r If ther be only one party to the deosnaiv ; aid of foreclosure " proceeding, that de ' fendant ba twelve month ia which he may ., buy back tb property by sattofylng all , claims against it But after " the twetv month have elapeed aaetheT three month axe' allowed, la which aome other creditor against tha property may hav ohaoo to ' buy. y Thereafter tb time necessary to oom , plete tho aotloo la the court must elapae. It may ba two or three year before th bolder of the mortgag gete'fuU title to th propertr which ha been hi aaouxlty, and ' In the m. aniline tax a, InsuraAca, and th interest and revenue which be 1 aot receiv ing may ba a sertoua embarraasmant to blm, financially., -,. .;. : V ' roreclosur a a po of property worth 13.000, and oa which only t.1.000 may have beep loaned, I too costly a process for any kaner of money under any clreumetaacee. It eosts Ttrtually as much to foreclose on a property worth 13,000 oa property worth, 150.000. Agisting of the average, ltemlxad coat of uch forecloeur win show: .S '.-,:?, Cport Cost Grow Heary.. Court aoata ,i...i.,U.b....4 W Attorn feaa, .1...... ....... 100 lfaatair to ahaorT.......;....,:..v......M. to Abetraet up to Oata.... "..' II 1 A4varUsUvandateaovephy,,...M....M..., ja .,' , Total ooteftor3lour. .!.,.. .i.,..',.,..t218 In th ease of such a foreclosure th holder It wlH be tied up tn court at least) two- year, in which time he must keep taxes up, the 1 lieu ranee la force, waive his Interest, aad ranaln Bona ttt tha Mvtntu whlnh tnawontna ', of tb property's 'rant. 'r- -'--.k, X waa showa the printed proceeding la a foreclosure auit the other day, consisting of 180 printed pages averaging E60 word to a page. Tha land Involved waa within tha Chi-, eago limit a and couslrted of seventy acre which had baen subdivided Into 860 lots. Tb principal was 133,000. Ia the sal of tha lot 600 different person ' have; become Inter ested, and aside from the lawyers' feee ja.ooo of Incidental cost heJ pUed up. Tba case ba been la Court two full years, and still to unsettled Th attorney will receive about 3,000 for their work and the bolder of the mortgag expect to loaf ll.000 on the -flaal. ;-,---,'-,,A,nu.,v: ,m A ; . Tat a good mortgage on revenue producing real ttt Is one of th safest of investments -for ths young men who has some idle money properly to Invest, How to Invest It properly t " Oat a good lawyer to decide for you," ia tha expression of on who has beam etung by a mortgag not. "Don't depend upon yourself; don't depend upon th real estate dealer. He ha hi own lawyer, but the law yer Is working for the real aetata toaaiot , for yea. : Get your owa lawyer in tha begin ning aad save lawyers fee at th ad" : That; Glitters. Weston. Theae' little iraradlas not alwsva ara tha I oaro jeweler of uttbttdwd )uitF ,fu( ' . rwpuwuoo wsa esuaa to vaxue an engage- ' ment rlnr 111. vntin, Am,n ia M,ii. roqueataad-beea a good cuatomerottheflrat . and it waa with much reluotance. for that ' reason, that thav tnld har fha Hnt iwnM v s , i..., in akoajasvuiVBi mags. Ths next day an Indignant young maa walked Into the etore with a demand to ue toia tne ciarx smphaucally that ha c ' rimsV sHaaaa tVksa tVa m - A Aa. m A f 'V V W' SWUS) Uldk W - Bnif iMd lntfnd4 to &oHf hi tfMt . - VHimuwt til v W klgfltUVU MV9 UUOUl . that aa unscrupulous Jeweler had repreeenU ad the atone aa being worth what th young man bad paid him for It That young man - assured the notlo. Whoaa aJt ha anuaht In hi difficulty, that b would patroniae ao .' I more bakeries when h wanted diamonda. A fraud of lees injurioua conaequenoe : often to practiced oa customers who bring in . a Strand Of human hair, 'generally that of a departed dear one,' with a requeet that ' It b mad Into a bracelet or watoh chain. - Tha Jeweler frequently sends to the dealer ' In hair for a ready made braid matching the , Umnta Is m1ab PKIsa flsa ea MKMa .M more expeditious way of executing the or- . dar, and, while it seems a hearties dace n. tion. It may be said to tha Jeweler credit . that the hair offered him seldom is of uf fldent length or texture to work up satis ' factorlly. .."" ''''! , BoIIaxl Cold Iasta af Solid; Som years ago, whan rolled gold Jewelry .;. was ta great vogue, it waa easy for diahoneet Jewelara to stamp tba rolled article with tb seats mark that were put on solid gold and then sell them for a greatly enhanced prioa To tha credit Of tba established Jewelers It may be said that moat ef these unsavory -methods are practiced by Itinerant or " fly by night' Jewelers. Ia the smaller towna, where a man' neighbor have a chance to get acquainted with him, ther Is neither tta inclination nor the opportunity to practice the little tricka Even there, -aa in tha larger dties. It Is a safe rule to buy Jw?r?. especially precious stonei, from a C r who la known to vakie t: r; '' t i Who depend on sat!Bfl c " - t r ' jrsrtls his fcuslnei f :r I' -x
